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ANZ Travel Money Guide

Rates and Fees verified correct on December 10th, 2016

Spend in over 9 international currencies, organise your travel insurance and pick up traveller’s cheques all with ANZ

As an international bank, ANZ knows Australians love to travel. ANZ foreign cash centres and ATMs can be found at Australia’s biggest airports and the ANZ Travel Card lets you spend in nine popular overseas currencies. Plus, there’s insurance, traveller’s cheques and handy Cash Packs too. ANZ has a number of convenient products and services to make spending your hard earned cash on your next trip hassle-free.

ANZ Travel Card

The ANZ Travel Card is a prepaid card that can be loaded with up to 10 foreign currencies to make purchases overseas at over 36 million locations.

Lock in your exchange rates and know how much money you have to spend

No transaction fees for electronic purchases in Australia and overseas

Travel cards

The ANZ Travel Card can be used in some of Australia’s favourite holiday destinations. Load the card with money online using BPAY for a 1.1% fee and exchange the money to nine foreign currencies at a fixed rate:

Australian dollars

US dollars

Euros

British pounds

New Zealand dollars

Hong Kong dollars

Canadian dollars

Singapore dollars

Thai baht

Japanese yen

Online portal. As well as add new currencies, check recent transactions and your account balance, the ANZ Travel Card online portal lets you block the card if it’s stolen or lost. You also get a spare card incase this happens.

ANZ Travel Card fees. There’s a card issue fee of $11. However, ANZ often has promotions which waive the issue fee for existing customers. The currency conversion fee applies if you spend in a currency not listed above or you don’t have enough money of one currency to complete a transaction. ANZ will also charge you when you make an ATM withdrawal. This fee depends on the currency you’re withdrawing.

You can use the ANZ Travel Card to make purchases and ATM withdrawals wherever Visa is accepted. You also get guarantees from Visa and ANZ that you won’t be liable for unauthorised transactions.

Traveller’s Cheques

ANZ sells American Express traveller’s cheques. Australian dollars, Canadian dollars, British pounds, euros, Japanese yen and US dollars are available. You can order traveller’s cheques online through ANZ internet banking or over the phone, at the ANZ branches at Sydney and Melbourne international airports and at ANZ branches. Orders over $1,000 need to be arranged in advance.

Traveller’s cheques are a very safe way of carrying money overseas. Only you can cash your cheques and they can be replaced if they’re lost or stolen. Fewer places accept traveller’s cheques nowadays, but you can find out about traveller’s cheque acceptance by reading our travel money location guides.

Currency exchange

Customs, baggage claim and queues, arriving in a foreign country can be tiring enough without adding currency exchange to the list of things to do when you land. ANZ sell more than 50 international currencies at branches and foreign exchange centres, ANZ also have ATMs which dispense major currencies.

Foreign exchange ATMs. ANZ provides foreign exchange ATMs in Melbourne, Adelaide and Sydney international airports. For a $4 flat fee you can withdraw US$50, €50, NZ$50 notes and £20 notes. Non-ANZ customers may also incur a charge from their own bank.

ANZ Foreign exchange centres. ANZ has branches in Sydney and Melbourne international airports and Melbourne, Sydney, Perth, Adelaide and Brisbane city centres. You can purchase a travel card and buy and sell over 50 different international currencies.

ANZ Cash Packs. ANZ Cash Packs give you a bunch of different banknotes. For example you can buy a US dollar Cash Pack and get 7 US $50 notes, 4 $20 notes, 3 $5s and 5 $1s. ANZ Cash Packs are available in US dollars, euros, pounds, New Zealand dollars, Thai baht and Chinese Renminbi. Cash Packs cost $5 on top of the value of the foreign currency as set by ANZ. The $5 fee is waived if you’re an ANZ customer or if you purchase a travel card or travel insurance at the same time. Cash Packs are available from ANZ branches and foreign exchange centres. If you want to buy a cash pack with more than $1,000, you’ll need to visit an ANZ foreign exchange centre.

Travel insurance

ANZ Travel Insurance covers you for medical and dental expenses, the cost of replacing luggage and personal items if lost or damaged, cancellation of travel plans, personal liability and more. This policy also provides a snow sports package.

ANZ also provide a complimentary insurance policy when prepaid travel expenses are charged to premium ANZ credit cards such as the ANZ Rewards Black and Platinum credit cards.

ANZ Travel Money Frequently asked questions

How long does it take to get an ANZ Travel Card?

You can get a card on the spot from an ANZ foreign exchange centre at Sydney and Melbourne airports or from any of the other ANZ foreign exchange centres. If you order an ANZ Travel Card on the spot from an ANZ foreign exchange centre the card will not have your name on the front. You can also order this card online. The card will be ready after five business days and it will arrive with your name on it.

What are the ANZ Travel Card limits?

Cash withdrawal limit in 24 hours

AUD$2,500

NZD$3,000

USD$1,800

£1,000 GBP

€1,500 EUR

CAD$3,000

HKD$13,700

SGD$3,250

77,000 THB

205,000 JPY

Over the counter purchase limit in 24 hours

AUD$5,000

NZD$7,000

USD$5,000

GBP£3,500

EUR €5,000

HKD$27,500

CAD$6,000

SGD$7,000

155,000 THB

410,000 JPY

Minimum load on purchase

AUD$200

Maximum load per year

AUD$80,000

Maximum balance on the card at any one time.

NZD$20,000

USD $15,000

£8,000 GBP

€12,000 EUR

HKD$110,000

CAD$17,000

How can I load more than one currency on the card at a time?

You can load multiple currencies on the card at the same time at an ANZ foreign exchange centre. Reloading using BPAY or at Australia Post will credit the first currency in the ANZ Travel Card default currency order.

What’s the default currency order?

Funds will be credited in Australian dollars unless you change the default currency order. You can do this by calling ANZ Travel Card customer service. The currency order is also important if you spend and you don’t have enough of a particular currency to pay for the transaction, the next currency will be used and so on.

Default currency order:

1. Australian Dollars2. United States Dollars3. Great British Pounds4. Euros5. New Zealand Dollars

If you’re an ANZ customer, you can make a payment to an international bank account from an ANZ branch or using the online banking Pay Anyone feature. You’ll need information about the person getting the money, like their bank account number, the SWIFT code, BIC, IBAN, sort codes and so on. The information requirements vary from country to country. ANZ charge a flat fee of $18 for online transfers and $32 for transfers from a branch and mobile banking.Compare companies you can use to send money overseas.

Leftover money can be kept for further trips or the card can be closed and your money redeemed.

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You don’t need to be an ANZ account holder to be able to apply for the ANZ Travel Money card. To purchase an ANZ Travel Card, simply visit their website or visit your nearest ANZ branch or ANZ Foreign Exchange Centre within Australia (including Melbourne and Sydney International Airports).

Also 5 business days after making the purchase kindly provide necessary ID documents and to collect your ANZ Travel Card. If purchasing your ANZ Travel Card in an ANZ Branch or ANZ Foreign Exchange Centre, cards are issued over-the-counter at the time of purchase and are ready for use before the end of the next business day.

Furthermore To reload your card – you have 3 options:

* Using BPAY via Internet or Phone Banking
* Please use BPAY Biller code 106641 and your 16-digit card number as the Customer Reference Number (BPAY Reference Number) displayed on the front of your ANZ Travel Card. BPAY reloads will take up to 3 business days to be processed.

* Reload at Australia Post outlets that provide the Post Billpay service by presenting the card (up to $9,000 in a single transaction). Post Billpay loads will take up to 3 business days to be processed (or up to 10 business days if you use Post Billpay to reload using a cheque).

Hi,I’m a bit worried,I’ve just gone to anz and got my ANZ travel card and loaded it in Euros but I’ve read the reviews and I’m worried as I leave soon.Should I take a Velocity or
Qantas card incase the ANZ doesn’t work

As a financial comparison service, we can’t recommend any specific products as the right option will depend on your travel plans, financial situation, and spending habits.

However, the ANZ Travel Money card is designed to work wherever Visa is accepted. As the card accepts Euros, you should also be able to use it in many places in Europe without incurring a currency conversion.

You can get an ANZ Travel Money card on the spot by visiting your local ANZ branch. Otherwise, if you order the card online, you’ll be able to pick it up from an ANZ branch within five business days. If you order the card online, you can request for your name to be printed on the primary and secondary cards.

If you have AUD loaded on your account and make a purchase in USD, you will incur a conversion fee plus the exchange rate. So in the case of your example, you’d be charged AUD $1.26 plus the conversion fee.

However, as USD is a supported currency on the ANZ Travel Money card, if you load USD onto the card you can avoid both the conversion fee and exchange rate.

In response to your earlier question, no, unfortunately you can’t load Turkish Lira onto the ANZ Travel Money card. As Euros are widely accepted throughout Turkey, you may wish to load Euros onto your travel card instead. You will then be able to access your funds wherever Visa is accepted.

Yes, carrying cash and converting it when you arrive at your destination is always an option. However, there are risks in carrying cash while travelling. If you use your credit card rather than prepaid travel card loaded with Euros, you may also incur a currency conversion fee when using Australian Dollars to complete a purchase in Euros.

It may be best to get in contact with the ANZ customer service team to discuss your options in further detail.

we are going to visit and stay over in Hong Kong for one night on our return journey home we have not pre loaded Hong dollars onto our travel card we only nominated US and Canadian dollars are we able to load Australian dollars onto the card and when we arrive in Hong Kong withdraw from an ATM Hong Kong dollars and what costs are we likely to incur?
I suspect it would be around the same as just a simple withdrawal from a maestro ATM using a ANZ access card would that be correct?
regards
karen

The following fees will apply to your withdrawal from an ATM in Hong Kong:
- ATM withdrawal fee, HKD $20 (note that ATM operators may also impose their own surcharge/withdrawal fees)
- AUD Currency fee, 3% of the value transaction

Also, please note that exchange rates will apply to the transaction and the ANZ Travel Money card allows you to preload HKD too. It would be the same as a withdrawal from a regular maestro ATM.

That’s correct, if the transaction is made in a currency that is not supported by your card then the 3% fee will apply. We have a travel money guide on South America that could help you find ways to avoid this fee.

To buy the card online you have to use a credit card. Is the transaction treated as a “cash advance”, if so interest would be raised by the credit card bank on the transaction and the balance on the credit card at the time of “purchase”?

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